OBT Orange County Bancorp, Inc.

QT81

NASDAQ·Financial Services·Banks - Regional·USA

Latest market price

40.11

+1.42+3.67%

Overview Short InterestFilings

OBTQT81Orange County Bancorp, Inc.·NASDAQ

Overview Short InterestFilings

40.11+3.67%

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Signal & projected range

Earnings big beat — drift (PEAD)Historical pattern — not a prediction

Recent priceDays this stock last showed the setupRange of past outcomes (±1σ)

Horizon

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Over the next 20 trading days, similar setups historically landed in a measured range of outcomes. Unlock with Premium to see the median return, the typical range, and how often they were positive. This is the historical range of outcomes — not a prediction of this stock’s price.

Ranges describe how this exact setup resolved in the past — derived from thousands of historical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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HOPE+0.83%$13.32 TCBK+2.08%$53.61 FSUN+2.48%$40.14 BY+1.51%$39.08 INTR+0.50%$4.03 HAPN+0.26%$15.57 OCFC+4.07%$18.67 STBA+2.93%$52.03

Snapshot

Index	—	P/E	10.75	EPS (ttm)	3.73	Insider Own	8.16%	Shs Outstand	13.41M	Perf Week	4.40%

Market Cap	537.79M	Forward P/E	10.58	EPS next Y	3.79	Insider Trans	-0.42%	Shs Float	11.37M	Perf Month	6.31%

Enterprise Value	308.81M	PEG	1.42	EPS next Q	0.84			Short Float	1.29%	Perf Quarter	3.38%

Income	49.00M	P/S	3.56	EPS this Y	25.41%			Short Ratio	2.53	Perf Half Y	19.84%

Sales	151.00M	P/B	1.74	EPS next Y	6.54%	ROA	1.82%	Short Interest	146.30K	Perf YTD	40.49%

Book/sh	23.05	P/C	0.85	EPS next 5Y	7.56%	ROE	16.74%	52W High	41.66 -3.72%	Perf Year	68.74%

Cash/sh	47.06	P/FCF	8.15	EPS past 3/5Y	15.34% 20.70%	ROIC	7.32%	52W Low	23.75 68.88%	Perf 3Y	78.43%

Dividend Est.	0.72 (1.80%)	EV/EBITDA	5.47	Sales past 3/5Y	18.07% 19.81%	Gross Margin	81.94%	Volatility	3.53% 2.78%	Perf 5Y	113.92%

Dividend TTM	0.72 (1.80%)	EV/Sales	2.05	EPS Y/Y TTM	23.51%	Oper. Margin	36.75%	ATR (14)	1.18	Perf 10Y	248.18%

Dividend Ex-Date	Sep 04, 2026	Quick Ratio	—	Sales Y/Y TTM	-1.95%	Profit Margin	33.03%	RSI (14)	70.13	Recom	2.00

Dividend Gr. 3/5Y	11.16% 7.34%	Current Ratio	—	EPS Q/Q	23.83%	SMA20	6.42%	Beta	0.37	Target Price	44.00

Payout	17.98%	Debt/Eq	0.11	Sales Q/Q	2.44%	SMA50	6.07%	Rel Volume	1.25	Prev Close	38.69

Employees	235	LT Debt/Eq	0.11	Earnings	Feb 03	SMA200	12.96%	Avg Volume	57.04K	Price	40.11

IPO Date	Oct 15, 2003	Option/Short	Yes / Yes	EPS/Sales Surpr.	13.77% 5.36%	Net Debt/EBITDA	-10.64	Volume	71,064	Change	3.67%

Analyst Ratings

Date	Action	Analyst	Rating	Target
Sep-04-26	Reiterated	Piper Sandler	Overweight	$36 → $44
Feb-05-26	Reiterated	Piper Sandler	Overweight	$31 → $36
Dec-10-25	Reiterated	Piper Sandler	Overweight	$31

Latest News· Times ET

Oct-28-26

Oct-28-2604:45PM

Univest (UVSP) Q3 Earnings and Revenues Lag EstimatesYahoo

04:30PM

Orange County Bancorp, Inc. Announces Record Third Quarter Earningsglobenewswire.com

Oct-23-26

Oct-23-2609:56AM

Orange County Bancorp, Inc. (OBT) is on the Move, Here's Why the Trend Could be Sustainablezacks.com

Oct-06-26

Oct-06-2608:00AM

Orange Bank & Trust Hires New Director, Trust OfficerYahoo

Oct-04-26

Oct-04-2608:14AM

Orange County Bancorp (NASDAQ:OBT) & ABN AMRO Bank (OTCMKTS:AAVMY) Head-To-Head Comparisondefenseworld.net

Sep-29-26

Sep-29-2606:15AM

Head to Head Analysis: Orange County Bancorp (NASDAQ:OBT) & Primis Financial (NASDAQ:FRST)defenseworld.net

Sep-24-26

Sep-24-2601:20PM

RBKB vs. OBT: Which Hudson Valley Bank Stock Is the Better Buy Now?zacks.com

Sep-04-26

Sep-04-2609:12AM

Piper Sandler Assumes Orange County Bancorp at Overweight, Announces Price Target of $44Benzinga

Aug-21-26

Aug-21-2604:05PM

Orange County Bancorp, Inc. Declares Cash Dividendglobenewswire.com

Aug-13-26

Aug-13-2603:47AM

Dimensional Fund Advisors LP Has $4.06 Million Position in Orange County Bancorp, Inc. $OBTdefenseworld.net

Jul-28-26

Jul-28-2604:15PM

Orange County Bancorp, Inc. Announces Record Second Quarter Earningsglobenewswire.com

12:23PM

Orange County Bancorp Q2 EPS $1.02 Beats $0.80 Estimate, Sales $27.815M Miss $33.000M EstimateBenzinga

Company

Orange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking products and services. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company also offers commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. In addition, it provides traditional trust and administration, asset management, financial planning, and wealth management services; and financial products, including checking, savings, money market accounts, certificates of deposit, and treasury management services. The company offers its products to small businesses, middle-market enterprises, local municipal governments, and individuals, as well as operate full-service branches and loan production office in Orange, Westchester, Rockland, and Bronx counties in New York. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements

DataTimeframe

Line Item (USD, M)	TTM —	FY 2025 12/31/2025	FY 2024 12/31/2024	FY 2023 12/31/2023	FY 2022 12/31/2022	FY 2021 12/31/2021	FY 2020 12/31/2020	FY 2019 12/31/2019	FY 2018 12/31/2018
Total Revenue	151	158	143	131	—	—	—	—	—
Cost of Goods Sold Incl. D&A	28	39	43	37	—	—	—	—	—
Gross Profit	123	119	100	94	—	—	—	—	—
Selling, General and Administrative Excl. Other	46	43	40	37	—	—	—	—	—
Research and Development	0	0	0	0	—	—	—	—	—
Other Operating Expense	22	25	25	20	—	—	—	—	—
Operating Income	55	52	35	37	—	—	—	—	—
Interest Expense	26	31	35	29	—	—	—	—	—
Unusual Expense	—	—	—	—	—	—	—	—	—
Non-Operating Income (Expense)	28	31	35	29	—	—	—	—	—
Net Income Before Taxes	58	52	35	37	—	—	—	—	—
Income Taxes	7	10	7	8	—	—	—	—	—
Consolidated Net Income	49	42	28	29	—	—	—	—	—
Net Income From Continuing Operations	49	42	28	29	—	—	—	—	—
Net Income	49	42	28	29	—	—	—	—	—
EPS (Recurring)	3.73	3.33	2.47	2.62	—	—	—	—	—
EPS (Basic, Before Extraordinaries)	3.73	3.33	2.47	2.62	—	—	—	—	—
EPS (Diluted)	3.73	3.33	2.47	2.62	—	—	—	—	—
EBITDA	56	53	37	39	—	—	—	—	—
Other After Tax Adjustments	—	—	—	—	—	—	—	—	—
Stock Option Compensation Expense	—	—	—	—	—	—	—	—	—
Price To Earnings Ratio	10.75	8.57	11.25	11.50	—	—	—	—	—
Price To Sales Ratio	3.45	2.35	2.14	2.53	—	—	—	—	—
Gross Margin	81.46	75.32	69.93	71.76	—	—	—	—	—
Operating Margin	36.42	32.91	24.48	28.24	—	—	—	—	—
Net Margin	32.45	26.58	19.58	22.14	—	—	—	—	—
Shares Outstanding	13	13	11	11	—	—	—	—	—
Market Capitalization	521	371	306	331	—	—	—	—	—
Operating Lease Expense	—	—	—	—	—	—	—	—	—

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Insider Trading Volume

Insider Trading

Insider	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Rooney Stephen	SVP, Chief Credit Officer	Aug 04 '26	Sale	38.71	1,500	58,065	8,606	Aug 05
Sousa Gregory	EVP and Deputy CLO	Aug 03 '26	Sale	38.75	1,882	72,928	10,572	Aug 03
Sousa Gregory	EVP and Deputy CLO	Jul 30 '26	Sale	38.75	1,165	45,144	12,454	Aug 03
Gilfeather Michael J	President and CEO	Mar 19 '26	Buy	31.25	200	6,250	16,400	Mar 23
Dineen David P	SVP, Dir. Wealth Services	Dec 11 '25	Sale	28.81	1,000	28,806	8,214	Dec 15
Gilfeather Michael J	President and CEO	Oct 31 '25	Buy	24.02	1,650	39,633	106,788	Nov 03
Schiller Jon	Director	Jun 04 '25	Buy	23.25	6,451	149,986	12,446	Jun 05
Ruhl Joseph A	Reg Pres, Westchester County	May 16 '25	Sale	26.67	1,752	46,726	31,485	May 19
Coulter Michael J	EVP and CLO	May 05 '25	Sale	26.17	2,497	65,346	4,984	May 07
Sousa Gregory	EVP and Deputy CLO	May 02 '25	Sale	24.61	2,440	60,058	10,280	May 06

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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.